Review the Assurant Affordable Health Access Plans

 

 

		Health Access Plan B	Health Access Plan C
	Note: During the free quoting process, you will be able to view state-specific variations, limitations and exclusions.	Limited benefit plan (Hospital Benefits: $100,000 maximum)	Limited benefit plan (Hospital Benefits: $200,000 maximum)
	Office Visit Copays (Preventive exams included) You pay your copay and the plan pays 100% of the remaining cost of an eligible office visit up to $150 per visit.	You pay $25 copay per office visit Copay applies to each of four office visits per person, per calendar year	You pay $25 copay per office visit Copay applies to each of four office visits per person, per calendar year
	Prescription Drugs	Copay of $10 (generic) / $50 (preferred brand) / $75 (non-preferred brand) up to $250 in benefits / calendar year	Copay of $10 (generic) / $50 (preferred brand) / $75 (non-preferred brand) up to $750 in benefits / calendar year
	Outpatient Medical Services: Includes outpatient hospital, surgical center or urgent care facility. Preventive services included.	You pay $200 deductible* We pay 80% of covered charges up to $500 per person, per calendar year	You pay $200 deductible* We pay 80% of covered charges up to $1000 per person, per calendar year
	Surgeon	Included surgeon benefits for both inpatient and outpatient surgery paid to the scheduled benefit amount.	Included surgeon benefits for both inpatient and outpatient surgery paid to the scheduled benefit amount.
	Assistant Surgeon	We pay up to 20% of amount paid for surgery	We pay up to 20% of amount paid for surgery
	Anesthesiologist	We pay up to 20% of amount paid for surgery	We pay up to 20% of amount paid for surgery
	Ground and Air Ambulance: Up to 2 trips / calendar year	Up to $100 ground/$1,000 air per trip	Up to $100 ground/$1,000 air per trip
	Emergency Room (Fee is waived if admitted to hospital)	$250 in benefits for each of two visits/calendar year after $100 fee	$750 in benefits for each of two visits/calendar year after $100 fee
	Inpatient Benefit Facility Charges	We pay up to $750 per day for sickness/$1000 per day for injury We pay 80% up to $100,000 in benefits, per calendar year, based on the daily inpatient limits	We pay up to $2000 per day for sickness/$1000 per day for injury We pay 80% up to $200,000 in benefits, per calendar year, based on the daily inpatient limits
	Other Non-surgical/Non-facility Inpatient Services	Considered under the inpatient/day maximim (coinsurance applies)	Considered under the inpatient/day maximim (coinsurance applies)
	Lifetime Maximum	$1 million	$1 million
	Medical Questions for Qualification	Limited medical questions to qualify	Limited medical questions to qualify
	Pre-existing Conditions	Covered after being continuously insured under plan for 12 months	Covered after being continuously insured under plan for 12 months
	Benefits After Reaching Maximums	Access to network at contracted/discounted rates	Access to network at contracted/discounted rates

* Family deductible maximum is $400 and is met collectively by two or more persons. Preventive services include annual exam, mammograms, Pap test, routine colonoscopy/sigmoidoscopy, colorectal cancer screening, human papilloma virus vaccination, well-child care and prostrate cancer screening.